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Managing your account.

Welcome back

Hello saver. It’s great to see you.

Useful information

Operating your savings account.

Unless the conditions of your account specify otherwise, you can make cash or cheque investments at any of our branches or agencies. Electronic payments can be made as a one-off, or on a regular basis by setting up a Standing Order.

  • Cash is accepted although we do require all coinage to be bagged up in full bags, with no mixed denomination. The maximum coinage per visit is £50 without £1 coins and £100 with £1 and £2 coins.
  • Cheques need to be payable to you, the account holder. You can pay in a maximum of 10 cheques a day and up to 50 cheques per month.
  • For electronic payments by Faster Payments or BACs enter the Society’s details as follows: Sort code: 23-44-48. Account number: 00004000. Reference: please use your unique savings account number where you wish the funds to be placed
  • For a standing order you will need to instruct your bank to set up a regular payment. You can use our standing order form in order to do this, or, to set up directly from your bank account yourself, use the above details for electronic payments.

For information about how long your deposits will take to clear in your account please read the General Investment Terms & Conditions.

To check your withdrawal conditions please refer to your individual account terms and conditions. For all withdrawal requests we will require a signed instruction and your passbook, if you have been issued with one. We may also request you to provide proof of identity when making a withdrawal.

Withdrawals from our branches are available as follows:

  • Cash up to £1,000 per member per day
  • Cheque up to £100,000 per member per day
  • Electronic withdrawals up to £25,000, as a next working day transfer to a previously nominated current account in your name. This service is free.
  • CHAPs withdrawals are available for amounts over £25,000, or any amount payable to a third party. For transfers up to £100,000 a £25 charge applies.

For full information about withdrawals please read the General Investment Terms & Conditions.

Where a parent, grandparent or legal guardian acts as an authorised signatory for a child’s account any withdrawals made must be for the benefit of the child. Refer to the withdrawals section above for information on making a withdrawal.

Interest is credited to your account in line with the original terms and conditions, and is calculated on a daily basis from the date we receive your investment up to the day before withdrawal. Any sums received outside our business hours, or on a non-working day, will be treated as having been received when we are next open on a working day.

If you have a fixed rate account your interest rate will not change within the fixed rate period. For variable rate accounts we may change interest rates at any time if we reasonably believe the change is needed. If we increase interest rates on existing accounts we will place notices in our branches, agencies and on our website within three working days of the change, plus include the information in our [monthly email newsletter]. Should we reduce the interest rate we will repeat the previous activities but also write to all affected account holders giving written notification of the change 14 days before it comes into effect, unless there is less than £100 in your account or it is operating below minimum balance interest rate tiers.

We are required to report all interest you receive to HM Revenue & Customs, who use this information to assess your Personal Savings Allowance. Interest earned on tax free products such as Cash ISAs does not count towards your Personal Savings Allowance.

For full information about interest please read the General Investment Terms & Conditions.

There are generally no fees applied in the general operation of your savings account. For additional services or requests we may apply a fee in line with our Tariff of Charges.

We’ll need you to contact us as soon as possible, either by getting in touch with your local branch or calling us on 0330 123 0723. We will also need written confirmation and to check your identity, which can be done by post if you are unable to visit us in person. When you contact us we will be able to explain next steps and also what to do if you need to withdraw funds without a passbook.

Please note issuing a replacement passbook may incur a charge in line with our Tariff of Charges.

You can read how we handle, store and protect your data in our Privacy Policy.

Nobody is perfect, and we know from time to time things do go wrong. We want to know when you’re not happy so we can improve the quality of our service and identify possible training needs, and of course we’ll do all we can to resolve your problem. Visit our making a complaint page for full details.

We’ve worked hard to increase the accessibility of our branches, which is why all of our sites are wheelchair accessible. The majority have audio induction loops and we can offer large print on most items. You can find more information about the accessibility and features of each branch in our branch section.  If there is anything we can do to make operating your account easier, please get in touch and we’ll try our best to help.

Get help

Request a service.

Request a call back
To request a call back simply complete our enquiry form and let us know how we can help. We can only call during our usual working hours so please let us know the most suitable contact number for you.

Arrange an appointment
To arrange an appointment in one of our branches to discuss your account simply get in touch with your local branch directly, who will be happy to help.

Request a certificate of savings interest
To request a certificate of savings interest please email our savings team at [email protected] Please include your account details and confirmation of the tax year you require the certificate for. Please note, we may require additional identification. We advise using secure email when sending us your information.

Request a statement
To request a statement please email our savings team at [email protected] Please confirm the period you would like the statement to cover. We will need to know your current address, date of birth and the last balance printed in your passbook and advise using secure email. Please note for your safety we may require additional identification.


Useful downloads.

Withdrawal Form


Guidance for people wanting to manage a bank account for someone else


Rules and Memorandum


Bereavement guide


FSCS Information Sheet


General investment terms & conditions


Savings tariff of charges


We’re here to help

Ready to talk?

Our door is open and it’s got real people behind it. If you want to talk to us, we’d love to hear from you, whether you choose to visit your local branch in person, drop us an email or give us a call.

Prefer to talk?
Call 0330 123 0723

Or find your local branch
View all branches

Contact us

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